EXHIBIT 23.2
 
                     [LETTERHEAD OF DELOITTE & TOUCHE LLP]


INDEPENDENT AUDITORS' CONSENT


Civic BanCorp:

We consent to the incorporation by reference in the Registration Statements
No. 33-94566 and No. 33-65309 of Civic BanCorp on Form S-8 of our report dated 
January 26, 1994 appearing in the Annual Report on Form 10-K of Civic BanCorp 
for the year ended December 31, 1995.


/s/ Deloitte & Touche LLP

March 18, 1996